skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

ANZ Business Overdrafts

An ANZ Business Overdraft is a flexible cash flow solution that allows you to stay on top of the ups and downs of business.

  • Flexible repayment options
  • Flexible loan terms
  • Easily access funds

Canstar 2022 Bank of the Year, Small Business Award logo

Connect with a business banking specialist

Manage your cash flow with an ANZ Business Overdraft.

Flexible Cash Flow solution

Revolving line of credit which gives you access to additional funds up to an approved limit when you need it.


Minimum facility amount

Secureddisclaimer or unsecured

Security options

What's the difference between a business loan and an overdraft?

While both business loans and overdrafts involve borrowing money, they’re set up differently to meet different needs.


Business loan

A business loan has a set lending term and can suit small and large capital purchases. With a business loan you will make regular agreed repayments.


Business overdraft

Overdrafts are flexible short-term cash flow solutions that can help with the ups and downs of business by covering trading or seasonal cash flow cycles or managing working capital, e.g. paying suppliers or purchasing stock. Unlike business loans, overdrafts do not have set repayment commitments. You can draw on the funds in your overdraft, up to the agreed limit, and make deposits when funds are available. A fee is charged for the total limit, but you’ll only pay interest on the balance outstanding, not on the total limit.

thin line



Cash flow icon

Maintain cash flow

Withdraw money up to an approved limit when you need to, and make deposits when your business receives payments.

Secured and unsecured loans icon

Secured or unsecureddisclaimer finance

The overdraft can be unsecured (an individual / director’s guarantee may be required), or secured by suitable residential,disclaimercommercial or rural property, business assets or a combination of these, acceptable to ANZ. disclaimer

Document and coin icon

Flexible loan terms

No minimum or maximum term length, though an expiry may be elected.

Different options icon

Flexible repayments options

No fixed or set repayments are required.

Bank card and hand icon

Access funds easily

Using an ANZ transaction account to easily access your funds through ANZ Internet Banking, Digital Wallet, ANZ ATMS and more.

Percentage and upwards arrow icon

Pay interest on what you use

Interest is charged on what you use and added to what you owe.

ANZ Business Black

Unsecured business overdrafts with ANZ GoBiz

Fast, online applications with a one-time, encrypted connection to your accounting software and no need to visit a branch.

No need to use assets as security. And no interest payable on your unused funds.

  • Access $2,000 to $300,000
  • Conditional approval in minutes, if eligible

Explore unsecured overdrafts

Who can apply for an ANZ Business Overdraft?


To be eligible for an ANZ business overdraft:

  • The overdraft must be used for business purposes
  • Customers must be business entities, including sole traders
  • The directors, partners or sole traders must be 18 years of age or older
  • You'll need to meet additional eligibility criteria when applying through ANZ GoBiz

Not eligible?

We offer flexible and tailored lending solutions for businesses, find out how you can get on top of business with our range of other business loans to help you manage your cash flow or grow your business. 

For more information, speak to a business banking specialist on 1800 351 663

thin line


What's the application process?

send an enquiry icon

Step 1: Submit an enquiry

Fill out an enquiry form and a business banking specialist will speak to you about the product and give you the documents you need to apply.

Apply online icon

Step 2: Apply

Complete your application and provide ANZ with the required information. We’ll seek further details from you if we need to.

Review icon

Step 3: Review

Once we have all the information we need, we’ll assess your application and then make a decision. If necessary, we’ll work with you to satisfy any conditions to the lending.

ANZ letter of offer icon

Step 4: Letter of offer

If approved, we’ll provide you a Letter of Offer outlining the terms and conditions of your loan.

thin line


Ways to apply

laptop and mobile icon

Submit your details

Send us your information and a business banking specialist will get back to you as soon as possible.

Get started online

Phone icon

Call us

Contact the team Mon-Fri 8am to 8pm (AEST).

1800 351 663

What are my other lending options


ANZ GoBiz illustration of a clock, mobile and coins

Applying online for a business loan or overdraft is easy.  Get conditional approval in just 20 minutes, where eligible.disclaimer

Business loan amount:

$10k – $500,000

Overdraft limit:

$2k – $300,000

Term length:

Business Loan:  Up to seven years with a variable rate, or up to three years with a fixed rate.

Overdraft:  No minimum or maximum term 



Explore ANZ GoBiz

ANZ Business Loan

Business Loans illustration of a shop, plant and coins

An easy-to-use and flexible business loan that can be tailored to suit your lending needs.

Loan amount:

Minimum $10,000

Term length:*

1 – 15 years for unsecured loans

1 – 30 years for secured loansdisclaimer


Secured or unsecureddisclaimer

ANZ Business Loan

*Term lengths are subject to the relevant product terms and conditions, eligibility and credit criteria, and will vary according to the security provided.

Vehicle and Equipment

Vehicle and equipment illustration of truck, coffee machine and printer copier

ANZ Vehicle and Equipment Finance is tailored to suit the needs and cash flow of your business.

Loan amount:

Minimum $7,500

Term length:*

1 – 5 yearsdisclaimer



Vehicle and Equipment

*Term lengths are subject to the relevant product terms and conditions, eligibility and credit criteria, and will vary according to the security provided (including financed assets).

Contact us

Laptop icon

Request a call back

Have us call you back to discuss your business needs

Leave your details


Mobile phone icon

Call us

Mon-Fri 8am to 6pm (AEST)

1800 351 663


Customer service icon

Talk to someone local

Chat with one of our local business bankers

Find your local business banker


Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.

ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF) before acquiring the product.

Products are available to approved applicants for business purposes only. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditionsFees and charges and eligibility criteria apply.

We recommend you obtain independent advice from a financial planner and registered tax agent if you are considering whether these products are right for you.

We recommend you obtain independent advice from a financial planner and registered tax agent if you are considering whether this product is right for you.

For an unsecured loan you won’t need to provide an asset as security, although a personal guarantee may be required in cases of directors.


Residential property does not include property development or speculative residential construction.


The loan needs to be secured by first class security meeting ANZ security requirements, including minimum security coverage and suitable security location.


Applicants for ANZ GoBiz need to meet eligibility and credit criteria. Once approved, you'll need to sign and return your documents. Once we receive these, your funds will be in your business account within 2 business days.


The term of the loan will be subject to relevant product terms and conditions, eligibility and credit criteria, and will vary according to the loan amount and security provided.  Eligibility criteria for an ANZ Business Loan with a 30-year loan term includes:

  • total credit facilities with ANZ, including new loan funds as part of the application and any credit facilities held by related entities, must be less than $3 million;
  • loan purpose acceptable to ANZ; and
  • provision of security acceptable to ANZ, meeting ANZ’s security requirements including minimum security coverage and suitable security location.

The eligibility criteria for Vehicle and Equipment Finance on a term of up to 5-years includes purchase of an asset acceptable to ANZ, meeting ANZ’s security requirements including suitable age, type and intended use of the asset.